Sniper
$69 per month
25 credits per month
Focus on the accounts hurting your credit report most.
- FCRA and arbitration analysis
- Bureau-specific dispute letters
- Dispute reasons and legal references
- Print-ready PDFs and response tracking
Report Recon reads your credit report and flags what may be wrong. On a paid plan, it writes the dispute letter. You sign it and mail it.
Free analysis. No account needed.
Tap to upload your credit reportDrop your credit report here, or click to browse
PDF files up to 4 MB
Works with PDF credit reports from AnnualCreditReport.com.
Report Recon flags the problems and writes the letter. You sign it and mail it. Letters and the tracker are part of a paid plan.
Check
For example, an account marked paid in full with $2,450 past due. You check each one against your records.
Draft
Pick the entries to dispute and Report Recon drafts the letter to the bureau. You edit it, and nothing goes out until you sign it.
After you mail your letter and mark it mailed, the tracker counts the 40 days for you. Send it with a delivery receipt so you know it got there. The bureau decides how it handles your dispute.
With Report Recon, the bureau hears from you. You can pay a company, file on a bureau site, or send your own letters. Here is who does what in each.
| Capability | Report Recon | Credit repair companies | Bureau online disputes |
|---|---|---|---|
| Where the report comes from | A PDF from AnnualCreditReport.com, one bureau at a time . Free by federal law, no monitoring subscription | Ask which reports and subscriptions you must buy first | That bureau's own file, one bureau per portal |
| What you pay | Plans from $69 a month, cancel any time . You keep every letter | Ask for the fees, billing schedule, and cancellation terms before you sign | Free to file a dispute |
| How disputes are sent | Letters you review, sign, and mail yourself by USPS Certified Mail . Sent in your name | Ask who prepares and who sends each dispute | An online form under the bureau's terms; the bureau runs the review |
| How the dispute reason is stated | Each finding names the disputed field and supporting evidence . Specific factual basis | Ask how the service uses your records to explain each error | Dispute reasons and supporting details entered in the form |
Credits pay for dispute letters and deeper analyses. You sign and mail each one, so you know what went out.
$69 per month
25 credits per month
Focus on the accounts hurting your credit report most.
$197 per month
100 credits per month
Work every account without account or letter allowance caps.
Credits roll forward within the billing cycle.
Learn what happens after you upload, what costs credits, and what the software can do.
Report Recon scans your credit report for potential reporting problems such as inaccurate balances, incorrect account statuses, late-payment reporting errors, duplicate accounts, outdated accounts, and potential FCRA issues.
No. You can upload a PDF credit report for a free analysis without creating an account. Create an account when you want to keep your work, generate dispute letters, and manage your dispute activity.
Yes. Choose findings to include in a bureau-specific dispute letter with supporting details and relevant legal references. Download the PDF, review it, sign it, and mail it yourself.
Report Recon never contacts the bureaus for you. Each letter is drafted from the findings you selected on your own report, and you review it, sign it, and mail it yourself, in your own name and from your own address. Bureaus sometimes answer reused form letters with a notice asking whether someone else is disputing on your behalf. A letter built from your own report and your own records is not a reused form.
Upload one bureau PDF from AnnualCreditReport.com. Report Recon analyzes it and helps draft bureau-specific dispute letters. SmartCredit and IdentityIQ support is planned.
Report Recon checks for factual credit-report inaccuracies, including wrong balances, account statuses, late payments, duplicate accounts, and outdated entries. You can use these findings to dispute errors and seek correction or deletion. Arbitration Analysis reviews the records in more depth to help prepare for a dispute or arbitration.
Report Recon uses demo uploads to run the analysis and deletes them within 24 hours. For saved work, review the privacy and retention terms before uploading sensitive documents.
Paid plans grant credits each month. Actions such as credit-report analysis, dispute-letter generation, and escalation use a fixed number of credits so you can understand usage before you act.
Sniper includes up to 5 selected accounts and 3 dispute letters for each credit profile during its billing period. Each selected account counts once. Pro has no account or dispute-letter allowance caps. Credits remain the usage limit.
FDCPA analysis is not available in this launch. Today, Report Recon focuses on factual credit-report inaccuracies, traditional disputes, and Arbitration Analysis.
AI credit dispute software reads accounts in credit report files, such as AnnualCreditReport.com PDFs, and checks for factual errors. It flags conflicting balances, account statuses, and late-payment records, then drafts bureau-specific dispute letters with relevant Fair Credit Reporting Act references.
No. Report Recon analyzes official credit report disclosures downloaded directly from AnnualCreditReport.com. You do not need an active or recurring credit monitoring subscription to run analyses or generate dispute letters.
No. Under federal law, including the Credit Repair Organizations Act, no software or credit repair provider can guarantee deletions, score improvements, or specific dispute outcomes. The software helps you identify factual reporting errors and organize statutory dispute packages.
No. Report Recon is a self-help tool and does not provide legal advice, practice law, or create an attorney-client relationship.